We're committed to protecting your privacy in everything we do. If you have any questions about our privacy policy, please contact us at Toll Free (800) 909-2040.
This site allows you to obtain insurance information and basic quotes for yourself without providing personally identifiable information. After you run quotes, if you wish to pursue the next step of completing an application, we will need to gather personal information from you at that point in time.
For our online quote engine, the only required information needed to view quotes from various insurance carriers is your date of birth, gender, underwriting rate class, state you live in, the amount of coverage, term length, name and email address. All other information is voluntary. You do not need to submit your phone numbers.
If you do supply your contact information such as your name, phone numbers or email address, we will contact you to review your quotes with you. If you do not want us to have this information, do not submit it to us.
Submitting your information grants us express written permission to contact you. This applies even if you are on state or federal "Do Not Call Lists". We use directory assistance to obtain correct phone numbers and addresses when consumers make mistakes submitting their information. If you would rather that we do not call you, you are advised to leave the phone numbers blank as we use directory assistance to check for legitimate numbers before calling.
Rest assured that you can change your mind at any point in time by contacting us and telling us to close your file and discontinue contact. We will acknolwedge requests of this nature and discontinue contact.
Quotes, Quote Requests, and our Quote Engine:
Our quote engine will provide insurance company prices based on the information that you the consumer provide. The quote engine has no ability to determine if the rate you quote for yourself is a rate that you will actually qualify for. Only complete underwriting and approval by the insurance company can determine the final rate that you pay.
LifeInsuranceAdvisors.com, LLC and Michael J Horbal rely on third party companies to provide the insurance quote engine on this website. While these companies take careful steps to ensure the accuracy of the quotes, mistakes are made on a rare occasion. LifeInsuranceAdvisors.com and Michael J Horbal will not be held responsible for errors made by these companies.
In addition, LifeInsuranceAdvisors and Michael J Horbal may give you an opinion as to what rate class they think you will be approved at. These are just opinions. We try to be as accurate as possible when we quote your rate, BUT only the insurance company can determine your final rate. LifeInsuranceAdvisors.com and Michael J Horbal will not be responsible for approvals at rates other than applied for. We will make our best effort to provide you with accurate quotes.
Application Requests:
Our application request form allows you to request an application from us for insurance coverage. Requesting an application from LifeInsuranceAdvisors.com, LLC or Michael J Horbal does not create an obligation for LifeInsuranceAdvisors.com, LLC or Michael J Horbal to provide you with an application.
In order to request an application, you will need to provide detailed personal information to us. We will contact you once that information is in order to confirm the information you provided and also to ensure that you have chosen the best company based on your medical information.
Please note that we will give you our opinion as to whether you will qualify for the rate class and company you have chosen. You also understand and agree that neither LifeInsuranceAdvisors.com, LLC or Michael J Horbal can determine the final rate that you actually pay. Only the insurance company can determine that, and they can only do so after you have completed all requirements that the insurance company requests from you. The insurance companies reserve the right to decline your application or charge you more or less than what you or LifeInsuranceadvisors.com, LLC or Michael J Horbal have quoted you.
Once we have contacted you and confirmed the information and correct company to go to, we will send you the application package by mail and have the paramed examiner contact you to schedule your required exam.
Underwriting Process:
The underwriting process does not begin until you have completed and returned the insurance application to us and we have acknowledged receipt of that application and you have completed your required medical exam.
Once we have the application and exam in our possession, we will send both to the insurance company for processing. The insurance company will review the information you provided as well as the lab results and exam questions. The insurance company may ask you additional questions. The insurance company may request your medical records from your doctor as well. You are advised to read your application carefully as the insurance company will indicate their process in their applications.
Once the company has received all information it needs, the insurance company will make a decision. The insurance company may offer you a policy at the rate you applied, at a higher or lower rate. They may offer you more or less coverage than what you applied for. They may decline to offer you any coverage or postpone your application until a later date. We will advise you of the insurance company's decision once we receive the information in our office.
How We Are Paid:
We are paid commissions by the insurance companies and insurance wholesalers we place our business through.
LifeInsuranceAdvisors.com, LLC.
2865 South Eagle Road
#374
Newtown, PA 18940
In addition we will not divulge any information we receive from customers to anyone. We will not rent, sell or give your name or credit card information or purchase history to any other company, agency or individual.
